Cheap Massachusetts Car Insurance

Compare the best rates from 12 car insurance companies in Massachusetts.

Here's what you need to know when driving in Massachusetts

Across the Bay State, there are 76,200 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in Massachusetts!

Dang! Massachusetts is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Massachusetts might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Massachusetts?
Rank Company Premium
1 State Farm $726
2 National Grange Mutual $815
3 GEICO $859
4 Commerce Group $893
5 OneBeacon $894
6 Progressive $1,009
7 Arbella $1,020
8 USAA $1,055
9 Norfolk and Dedham $1,057
10 Amica $1,120
11 Quincy Mutual $1,307
12 Vermont Mutual $1,310
13 Travelers $1,323
14 Safety Group $1,339
15 Hanover $1,372
16 MetLife $1,425
17 Peerless $1,428
18 Plymouth Rock $1,572
19 Liberty Mutual $1,771
20 Allstate $1,773
21 Encompass $1,858

Cheap Insurance for Good Drivers in Massachusetts

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Massachusetts drivers without a recent at-fault accident typically save 41% on their car insurance premiums, which beats the US average by 9%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $290 20.12%
No Accidents $810 41.31%
Good Credit $0 0.00%

Cheap Insurance for Young Drivers in Massachusetts

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Massachusetts is a relatively affordable state for teen drivers: the typical teen driver pays $4,210 per year — about $700 less than the national average for teens, but still four times more than the average driver in Massachusetts.

Age Annual Rate with Parents Annual Rate Alone
16 $4,612 $5,046
17 $4,321 $4,507
18 $4,104 $4,334
19 $4,104 $2,656

Cheap Car Insurance for Bad Drivers in Massachusetts

If you avoid at-fault accidents, speeding tickets, and DUIs, you can save money on car insurance. Insurance companies use your driving record as a way to predict the level of risk you present, so maintaining a spotless driving record will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Massachusetts, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 20% in Massachusetts — and a DUI could raise your premiums by a substantial 49%.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,961 41.31%
DUI $2,293 49.80%
Speeding Violation $1,441 20.12%
Bad Credit $1,151 0.00%
Car Insurance Laws

State minimum insurance requirements in Massachusetts

In Massachusetts, the state minimum coverage requirements are as follows:
Uninsured Motorist
Personal Injury Protection
Optional coverage in Massachusetts (varies by carrier):

Liability coverage on a Massachusetts policy only provides coverage for injuries that you cause to another driver or their passengers within the state. Should you be driving outside of the state, adding Optional Bodily Injury to Others (OBI) coverage will financially protect you in the event that you are “at fault” in an accident outside of Massachusetts. This would also extend coverage to any passengers in your vehicle.

The coverage limits are determined by each individual state and normally split into three categories. In Massachusetts, the minimum is listed as 20/40/5 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Massachusetts, the minimum is listed as 20/40 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Massachusetts, the minimum PIP coverage limit is $8,000 per person.

Massachusetts is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Massachusetts Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Massachusetts.

Car Insurance FAQs

Are digital insurance cards accepted in Massachusetts?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Massachusetts you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Massachusetts?

Uninsured Drivers in Massachusetts




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Massachusetts cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Newton, Massachusetts, and the most expensive in Revere, Massachusetts.

Rank City Avg. Annual Premium
1 Revere $2,170
2 Brockton $2,101
3 Lynn $1,959
4 Malden $1,898
5 Springfield $1,889
6 Lawrence $1,877
7 Boston $1,770
8 New Bedford $1,733
9 Worcester $1,712
10 Fall River $1,683
11 Somerville $1,632
12 Medford $1,606
13 Quincy $1,565
14 Lowell $1,542
15 Chicopee $1,485
16 Cambridge $1,476
17 Weymouth $1,476
18 Haverhill $1,453
19 Taunton $1,426
20 Framingham $1,418
21 Brookline $1,414
22 Peabody $1,392
23 Methuen $1,375
24 Waltham $1,368
25 Newton $1,337

Recent Massachusetts Car Insurance Questions and Answers

How does it work with insurance if I was hit by a moped

Jul 18, 2018

If you’re struck by a moped and it damaged your vehicle, how do I handle this? If I call my ...

Is it worth filing a claim for a scratch on my car that happened when it was parked?

Oct 09, 2017

I was parked on the street for a few hours and came back to a scratch from my back driver-side ...

Can I avoid paying for insurance for my car while I am away for active duty military leave?

Aug 29, 2017

The car is owned by my father (because he has good credit) and I’m the co-signer. We took out a ...

Can I insure a travel trailer with a different company than the one that insures my car?

Aug 20, 2017

I bought a travel trailer and it needs to be insured. If I choose to, can I insure it with ...

Driving Laws

Massachusetts Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Massachusetts
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

Massachusetts Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Massachusetts area, while also getting an insider view of the Bay State.


So, Massachusetts students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.